Rapid Recovery Solution Inc or RRS is a third-party collection agency based in New York. RRS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including harassment and failure to verify debts. If you have been contacted by RRS, make sure you understand your rights before taking action.
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According to the Better Business Bureau (BBB), Rapid Recovery Solution, Inc. was founded in 1999 and incorporated in 2006. The BBB established a profile page for RRS in 2007. RRS is listed as a collection agency. Buzzfile estimates RRS’s annual revenue at $8 million and the size of its headquarters staff at 75 employees.
According to its website, RRS “is an experienced debt collection agency committed to helping hard-working business owners and accounts receivable departments collect the funds that are rightfully theirs.” RRS is “committed to helping people recover their lost funds after debtors refuse to pay or are difficult to contact…by working quickly and efficiently with an aggressive approach that complies to regulations and standards.”
The RRS website does not provide specific information about its client base, although it does indicate that its collection staff is qualified to collect both consumer and commercial accounts. As a full-service agency, RRS offers a range of services, including online reporting; online placements; prompt remittance; low rates; a highly trained, professional staff of debt collectors; competitive recovery ratios; free demand service; customized outsourcing; bonded collection attorneys; dedicated customer service; and 13 years of industry experience.
The RRS website states that it “takes all federal and state laws very seriously, … follows the FDCPA, … and is HIPAA compliant.” However, their website does not include an easily accessible consumer resources page with links and references to consumer protection laws and enforcement agencies.
As of April 2018, the BBB has given Rapid Recovery Solution a rating of F. The BBB has closed 20 complaints against RRS in the preceding 3 years, with 3 complaints closed in the past 12 months. Most of those complaints alleged problems with billing and collections, although several consumers also complained about problems with customer service and product delivery. The Consumer Financial Protection Bureau (CFPB) has not posted any complaint data about RRS. Justia lists at least 3 cases of civil litigation involving RRS.
Rapid Recovery Solution, Inc.
25 Orville Dr.
Bohemia NY 11716
Telephone: (631) 776-8109
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely RRS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Cases filed in Federal Court
The BBB has posted an Alert to Rapid Recovery Solution’s profile page that warns site visitors of an emerging pattern of complaints. The Alert reads as follows:
“BBB files indicate a pattern of complaints concerning the servicing of client accounts for Rapid Recovery Solutions, Inc (RRS). Consumers are complaining to BBB about the issues they experience after making an agreement with RRS to assist with debt collection. Many complaints allege communications problems with the company, specifically not receiving a regular statement or account activity report from the company, and difficulty reaching the company to obtain updates on their account or payment status. In addition, some consumers are reporting extended delays in receiving payment of recovered monies, beyond the agreed upon time frame for remittance.”
In January 2010, in United States District Court, Eastern District of New York, a judge issued a Memorandum of Decision and Order in a case alleging Rapid Recovery Solution had violated the FDCPA. In this case, the plaintiff’s complaint asserted, “among other claims, that … RRS made threatening and abusive phone calls.” The plaintiff had been employed at a telecommunications company and had purchased two cellular telephones. She kept one and gave the second one to her mother. Bother were for personal use. She quit working at the telecommunications company where she had purchased the phones after a dispute with her employer. Subsequently, the telecommunications company hired RRS to collect a delinquent debt in connection with the telephones. The plaintiff alleged that during attempts to collect the debt, RRS representatives “made a sexually suggestive comment; …impersonated an attorney; and… impersonated a police officer.” Attorneys for RRS attempted to argue that the charges should be dismissed because the debt they were collecting was not a consumer debt as defined by the FDCPA. The court disagreed and denied Rapid Recovery Solution’s motion to dismiss the plaintiff’s complaint.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB).
The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
What Our Clients are Saying
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“Thanks to the staff at Lemberg Law, I have peace of mind again. They worked quickly to find the harassing calls were super considerate when I talked with them. I love the hard work”
“I was almost going nuts receiving calls every afternoon from a person using profane language to push me to pay debts I don’t owe. Someone I trust referred me to Lemberg Law, and I don’t regret having contacted them. The attorneys were very kind and always available when I needed them.”
“Thank you for standing with me Lemberg Law. I was so afraid I could lose my job because of a caller who called my job number 4 hours straight back to back. He not only harassed and threatened me but also abused workmates who received the call when I wasn’t around. Since I solicited for your services, I’ve had a peace of mind, and I’m happy because of the few dollars I got as a settlement.”
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